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PANDA Tierversicherungen review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

PANDA Tierversicherungen is a low cost Austrian pet insurance broker for cat owners who want the cheapest entry point on the market and can pay monthly. Premiums run from €2.20 and the range is 56 of 251 brands ranked on starting price.

Key facts

Best for
Cat owners in Austria chasing the lowest starting premium and monthly payment.
Premium from
€2.20↗
Insurance types
Pet↗
Provider type
Broker↗
Monthly payments
Yes↗
Claims channels
Online, Phone↗
Legal entity
PANDA InsurTech GmbH↗
Headquarters
Austria↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Monthly
Official website
panda-tierversicherung.com

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • Pet cover starts at €2.20, below the €8.31 typical starting premium across the site.
  • The broker sits 56 of 251 brands on starting premium, so the entry price is well below the market middle.
  • Monthly payments are available, and the policy model is monthly, so cover can start without a long commitment.
  • Support runs on email, phone and help centre, and claims run on online and phone, so help is not limited to online self service.

Cons

  • Cover is limited to pet, so a household wanting more than one kind of policy has to look elsewhere.
  • As a broker rather than an insurer, the cover sits with an insurer it selects rather than with PANDA itself.
  • Support runs on email, phone and help centre only, with no chat listed, and claims run on online and phone, so the two journeys differ.
  • The starting premium of €2.20 sits well under the €29.72 upper end of typical starting premiums, so quote a full cover level rather than the entry figure.
PANDA Tierversicherungen

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Cat owners in Austria who want a low starting premium on pet cover and can pay monthly
  • Households shopping for cat insurance only, at the lower end of the price range
  • Readers who want a broker that lists its register entry and keeps phone support in the mix

Who should look elsewhere

  • Pet owners with dogs, since cover is limited to pet
  • Households wanting several kinds of cover, as only pet sits in pet
  • People who want the insurer itself, since PANDA is a broker rather than the risk carrier

Price signals

PANDA Tierversicherungen writes pet cover with a monthly model, and monthly payments are available on top of that. The starting premium is €2.20, which is the figure the site ranks on. That entry point sits under the €8.31 typical starting premium across the site, and under the €9 median in the pet insurance ranking, and below the €3.99 lower quartile mark for pet cover. Pet premiums vary more than most insurance categories: the ranking shows starting premiums from €0 up to €670.88, with the upper quartile at €30.69. So the entry figure marks a floor rather than a typical price. A quote depends on the cover level, the animal and the age of the pet, which is why the entry number is worth treating as a starting point. For readers weighing costs, the pattern to note is simple: the ranking shows 96% of pet policies offering monthly payments, and this one is in that group, so the monthly model is the norm for the category rather than an exception.

Regulation and registers

PANDA Tierversicherungen operates as a broker, which means it arranges cover rather than carrying the risk itself. The regulatory detail that matters for a customer is the register entry: PANDA is recorded in the Oesterreichisches Versicherungsvermittlerregister, the GISA Gewerbeinformationssystem Austria, under the identifier 35732723. That register is searchable, so the entry can be checked directly against the number. Brokers sit alongside insurers and comparison sites in the site's mix of provider types, and the register entry is the part that confirms this is a regulated intermediary rather than an unregulated reseller. For a reader weighing whether an intermediary is safe to use, the register is the point of check, since the broker's status is written down in a public list rather than claimed on a marketing page. The customer contract runs with the insurer that the broker places the cover with, so the register entry covers the intermediary's side of that arrangement.

Safety of your money

What a customer is really buying here is peace of mind over a veterinary bill rather than a store of money, so safety of funds runs through two things: who arranges the policy and who carries the risk. PANDA Tierversicherungen is a broker, and its regulatory standing is confirmed by the Oesterreichisches Versicherungsvermittlerregister entry 35732723. Being registered as an intermediary means the arrangement sits inside the Austrian regulatory framework, so the contract and the intermediary are both traceable. Because PANDA arranges rather than carries the risk, the policy itself sits with a licensed insurer, and that insurer is the party against which a claim is made. A reader checking safety should confirm the insurer named in the policy terms, since the register entry covers the broker and the policy terms identify the carrier. Claims are handled on online and phone, which sets the route for notifying a loss and reaching the point where cover is confirmed.

Who runs it

The company behind the service is PANDA InsurTech GmbH, with its base in Austria, so this is an Austrian operation serving Austrian pet owners. Support runs on email, phone and help centre, which gives an email route, a phone route and a help centre, a spread that suits a service where a claim can start outside business hours. Claims themselves run on online and phone, so online and phone channels carry the notification of a loss while the support channels listed above cover questions around the policy. The operation is regulated in Austria, and PANDA's register entry under the Oesterreichisches Versicherungsvermittlerregister, the GISA Gewerbeinformationssystem Austria, reads 35732723. That combination of a named legal entity, a stated country and a register identifier is what a reader can verify before buying. As a broker based in Austria, the business sits inside one regulatory market, so its cover is aimed at Austrian pets rather than at a cross border audience.

How PANDA Tierversicherungen compares

Where PANDA Tierversicherungen is available

Available
Austria, Germany
Licence in Austria
Oesterreichisches Versicherungsvermittlerregister (GISA - Gewerbeinformationssystem Austria) (35732723), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does PANDA Tierversicherungen cost for a cat?+

The starting premium is €2.20, taken from the cat cover product. That figure is a floor rather than a typical price, because premiums across the pet insurance ranking start as low as €0 and reach €670.88. The site median for this category is €9, so the entry point sits well below the middle of the market.

Can I pay the pet insurance premium monthly?+

Yes, monthly payments are available, and the policy model is monthly rather than annual. That matches how the category works: 96% of pet policies in the ranking offer monthly payments. For a reader weighing costs, monthly spreading makes the starting premium of €2.20 easier to carry, though the annual total still depends on the cover level chosen.

Is PANDA Tierversicherungen an insurer or a broker?+

It is a broker, which means it arranges cover on behalf of an insurer rather than carrying the risk itself. The practical effect is that the policy contract sits with the insurer named in the terms, while PANDA handles the placement and the service around it. Readers who want the risk carrier named up front should check the insurer stated in the policy wording.

How is PANDA Tierversicherungen regulated in Austria?+

It is recorded in the Oesterreichisches Versicherungsvermittlerregister, the GISA Gewerbeinformationssystem Austria, with the identifier 35732723. As a broker based in Austria, it operates inside the Austrian framework for intermediaries. Readers can look the identifier up in the public register to confirm the status independently.

Which kinds of insurance does PANDA Tierversicherungen sell?+

Pet cover, and pet cover only, as the insurance types list shows. That focus is the clearest thing separating it from broader providers: in the site mix, auto, home, health and life all appear while pet sits lower. So a household wanting a pet policy and nothing else will find the range tight, while anyone bundling several kinds of cover will need a different provider.

How do I contact support and make a claim?+

Support runs on email, phone and help centre, giving an email route, a phone route and a self service help centre. Claims take a different path, on online and phone, so notifying a loss goes through online or phone rather than email. Keeping the two apart matters for a reader weighing responsiveness, since a claim in progress is not the same interaction as a policy question.

Who is behind PANDA Tierversicherungen?+

The legal entity is PANDA InsurTech GmbH, based in Austria. That named company, its stated country and its register entry together give a reader three things to check before committing to a policy. Since the business is a broker rather than an insurer, the entity answers for the service, and the insurer named in the policy answers for the cover.

What does a first quote actually depend on?+

The starting premium of €2.20 is the published entry point, and a firm quote depends on the animal, the cover level and the pet's age. Premiums across the pet insurance ranking spread from €0 to €670.88, so a low starting figure does not describe every policy available. Treat €2.20 as the cheapest way in, then price the cover actually wanted.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

PANDA Tierversicherungen

PANDA Tierversicherungen

Cat owners in Austria chasing the lowest starting premium and monthly payment.

8.9/10See alternatives